Toco Warranty

- Levels of coverage
- 4
- Maximum mileage
- 250,000 miles
- Waiting period
- 90 days and 1,000 miles
- Availability
- Most states (not AK, MO or WA)



If you live in New York and want to protect your vehicle after the factory warranty expires, an extended car warranty might make financial sense. Based on recent reviews from local car owners, coverage options and overall value, Toco Warranty offers the best extended car warranties in New York. Endurance Auto Warranty is a good choice if you want coverage for a high-mileage vehicle, and Omega Auto Care stands out for its maintenance benefits.
Our research team reviewed dozens of extended car warranty companies in New York. We compared coverage options, vehicle eligibility, extra benefits, costs and real customer feedback on claims handling. See our full methodology for details on how we picked the best companies. Our picks may be Authorized Partners that compensate us, but this does not affect our recommendations or evaluations.
| Company | Customer rating | Our pick for | Levels of coverage | Maximum mileage | Waiting period | Availability | |
|---|---|---|---|---|---|---|---|
![]() Toco Warranty | Learn More | 4.7
760 reviews
760 reviews
| Best overall | 4 | 250,000 | 90 days and 1,000 miles | Most states (not AK, MO or WA) |
![]() Endurance Warranty | Get Pricing | 4.5
17,157 reviews
17,157 reviews
| High-mileage vehicles | 12 | Unlimited | 30 to 60 days and 1,000 miles | Nationwide (not MA) |
![]() Omega Auto Care | Learn More | 4.0
1,498 reviews
1,498 reviews
| Free car care | 5 | 250,000 | 30 days | Nationwide |



Jump into our guides and start learning
Choosing the right extended car warranty in New York can protect you from the high cost of unexpected repairs. But picking a plan that doesn’t match your needs can lead to frustration and wasted money. As you compare options, weigh the actual cost, the risk of unclear contracts and whether an extended warranty fits your ownership plans.
Most extended car warranty plans cost around $1,000 per year, but final pricing depends on your car, coverage level and provider.
Jump to insightRead reviews and inspect coverage details, as misleading sales tactics and hard-to-understand contracts are unfortunately common.
Jump to insightExtended warranties may not make sense for every driver, especially if you see many exclusions or won’t keep your car long after its original warranty.
Jump to insightAn extended car warranty, or vehicle service contract, covers specific repairs after your manufacturer’s warranty expires. These plans help cover the bill when covered components break down due to routine use.
Extended warranties typically fall into two categories: stated-component and exclusionary. Both types of car warranties cover repairs due to normal wear, not accidents or misuse.
Car warranty vs. car insurance
An extended car warranty pays for mechanical breakdowns—but not collision, theft or weather damage. That’s what car insurance is for.
A comprehensive bumper-to-bumper extended warranty costs between $1,400 and $4,000 for each year of coverage. Some providers require all payment up front, while others let you spread out costs monthly. Dealership-sold plans often charge interest, so reviewing direct options can help you save.
An extended warranty is worthwhile if your car’s reliability is uncertain or you plan to keep it long after the basic warranty ends. In New York, coverage may cost more than in other regions, as local driving habits and weather can affect your vehicle’s longevity.
The biggest advantages of a car warranty are peace of mind and protection from unexpected bills.
A good plan saves you money and makes repairs simple. Always check your contract language, read real reviews and ask the car warranty provider questions before signing.
The top car warranty companies all offer strong coverage, good reputations and efficient claims. When comparing providers in New York, focus on:
To avoid scams, always be wary of unsolicited calls and emails pitching warranty plans. Only purchase directly from a trustworthy provider’s official website or phone line, and never give out personal details to random callers. If you encounter a scam, report it to the FCC’s complaint portal so authorities can take action.
It’s usually unnecessary to buy an extended warranty when you purchase a new vehicle in New York. New vehicles typically come with a manufacturer's warranty covering at least three years or 36,000 miles, with some brands offering even longer coverage.
» COMPARE: Best new car warranties
Most warranty providers will let you cancel, but you may owe a cancellation fee. Refunds are typically prorated based on the time left on your plan and whether you’ve made any claims.
In New York, extended warranties (called service contracts) are regulated under Article 79 of the New York Insurance Law. Providers must register with the state, meet financial rules and clearly explain what’s covered. Consumers can cancel within 10 to 20 days for a full refund if no claims are made, and get a partial refund after that. The law also requires contracts to be easy to read and backed by insurance or reserves.
The ConsumerAffairs Research Team used a research-backed, data-driven approach informed by our expert editors to choose the best extended car warranty companies. We looked at thousands of verified reviews, levels of coverage, maximum mileage, maximum vehicle age and additional benefits.
Companies were given a score out of 10 for each metric, with 10 going to the company with the highest value and other companies receiving relative scores. We then weighted each metric and added together the nine metric scores to get a final score.
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| Company | Customer rating | About | Learn More |
|---|---|---|---|
![]() | 5.0
37 reviews
| Offers month-to-month vehicle service contracts. Four plan levels with optional tire and wheel protection. Covers vehicles of model year 2000 and newer with mileage up to 200,000. Costs start at $39/month. | Read reviews |
![]() | 5.0
View profile
| Offers three vehicle service contracts ranging from powertrain to exclusionary coverage. Transferable policies with varying deductibles. Limited information about plans and pricing. Coverage not widely available. | Read reviews |
![]() | 5.0
130 reviews
| Accepts luxury, vintage and exotic vehicles. Cancel within 30 days for a full refund. Live customer support offered daily. Can go to any dealership or repair facility. Roadside assistance included. Offers locksmith policy. | Read reviews |
![]() | 4.8
65 reviews
| Online marketplace with multiple plans from different third-party providers. Three tiers of coverage. Provides 30-day money-back guarantee. Customer support available 24/7. Cancel your plan anytime. Quotes in less than a minute. | Read reviews |
![]() | 4.8
13 reviews
| Four coverage plans. Nationwide availability. Personalized pricing with varying deductibles and contract lengths. Starts at $79 per month. Towing, roadside assistance and car rental coverage benefits. | Read reviews |
![]() | 4.8
32 reviews
| Auto protection plans with no hidden fees. Powertrain, standard and premium coverage. Pricing starts at $29.99 a month. 24/7 roadside assistance included. Not available in CA, FL and MA. 30-day and 1,000-mile waiting period. | Read reviews |
![]() | 4.7
760 reviews
| Offers vehicle service contracts for cars up to 20 years old and up to 250,000 miles in most states. Plans available with no down payment and three-year terms. Waiting period is 90 days and 1,000 miles. | Read reviews |
![]() | 4.6
14 reviews
| Vehicle mechanical breakdown coverage with no required vehicle inspection and first-day coverage. No deductible for mechanical parts and labor. Includes 24/7 emergency roadside assistance. Two plans. Cancel any time. | Read reviews |
![]() | 4.5
17,157 reviews
| Direct administrator and obligor for most types of plans. Covers vehicles up to 20 years old for unlimited miles. Waiting period is 30 days and 1,000 miles. Offers 30-day refund guarantee. MBI products available in California. | Get Pricing |
![]() | 4.4
235 reviews
| Offers vehicle service contracts with 30-day money-back guarantee. Includes 24-hour roadside assistance. Choose your own repair shop. 10% back for referrals. Preferred pricing for members of some organizations. | Get a Quote |
![]() | 4.3
964 reviews
| Provides coverage for cars, trucks, motorcycles and powersport vehicles. Perks include 24/7 roadside assistance, rental car coverage and trip interruption reimbursement. | Read reviews |
![]() | 4.1
1,608 reviews
| Offers auto warranties for new and used vehicles. Has three plans available, plus custom options. Network of 50,000+ ASE-certified mechanics. Most plans are transferable. No published pricing or sample contracts. | Get Pricing |
![]() | 4.0
1,498 reviews
| Offers exclusionary, used stated and powertrain protection for cars with up to 250,000 miles and 15 years old. Waives deductible if you go to a RepairPal-certified shop. Member of the Vehicle Protection Association. | Read reviews |
![]() | 4.0
570 reviews
| Accepts cars up to 10 years old with up to 140,000 miles. Offers three plans with flexible deductibles and fixed monthly pricing. No waiting period or yearly mileage restrictions up to 185,000 miles. Available nationwide. | Read reviews |
![]() | 4.0
9,863 reviews
| Markets warranty plans for cars and motorcycles backed by American Auto Shield. Coverage, deductibles and payments vary by vehicle age and mileage. Contracts are transferable and come with a 30-day return policy. | Get a Quote |
![]() | 3.9
35 reviews
| Offers three auto warranty plans with varying levels of coverage. $100 deductible per service. 24/7 roadside assistance and rental cars included in each plan. Pays mechanic directly for service. | Read reviews |
![]() | 3.7
9 reviews
| Provides extended auto warranties to drivers in all 50 states. Three plans to choose from. Customizable deductibles. No limits on payouts. Roadside assistance included. Use any ASE-licensed mechanic or dealership nationwide. | Read reviews |
![]() | 3.5
821 reviews
| Offers a tier of four plans, with deductibles ranging from $50 to $100. Plans are only offered through select dealerships across the country instead of sold directly to consumers. | Read reviews |
![]() | 2.3
View profile
| Warranties are available primarily through car dealers. Offers four levels of coverage, including EV components. Warranties come with a range of benefits and available add-on coverage. | Read reviews |
![]() | 2.1
7 reviews
| Sells several extended warranty plans. Technology, EV and maintenance plans available. Deductible amounts from $0 to $200. Can visit any licensed mechanic. Must purchase through dealership. No pricing information online. | Read reviews |
![]() | 2.1
488 reviews
| Does not sell vehicle service contracts directly. Partners with third-party providers to offer eight programs for cars up to 250,000 miles, plus coverage for motorcycles, ATVs and dirt bikes. Available nationwide. | Read reviews |
![]() | 2.1
166 reviews
| Vehicle service plans and contracts. Accepted nationwide. Components, part and labor included in service plans. No inspection for coverage. No mileage or odometer restrictions. Transferrable. 24/7 roadside assistance included. | Read reviews |
![]() | 2.0
33 reviews
| No limits to number of claims. No transfer fees, claims paperwork or waiting for reimbursements. Can use any ASE-certified mechanic. Accepts all makes and models. Must call for quote. | Read reviews |
![]() | 1.9
9 reviews
| Provides extended warranties for many types of vehicles. Plans range from powertrain to exclusionary coverage. All contracts include maintenance benefits. Only sold through dealerships at the time of vehicle purchase. | Read reviews |
![]() | 1.8
259 reviews
| Offers vehicle service contracts with coverage for road hazards, tires and wheels. Affiliate plans include total loss waiver and lease excess with wear and tear. Accepts high-mileage cars. Available in all states. | Read reviews |
![]() | 1.8
10 reviews
| Offers multiple vehicle service protection plans. Coverage for EVs available. Open 24/7 by phone. 30+ years experience. Sells used vehicles. Available in all 50 states. | Read reviews |
![]() | 1.7
7 reviews
| Plans available for cars up to 20 model years of age. Covers vehicles with up to 225,000 miles. Multiple plans available. Optional coverage to choose from. No waiting period. Same-day processing for most claims. | Read reviews |
![]() | 1.7
178 reviews
| Extended service contract through CarMax. Optional for vehicles of any year, make, model or mileage. Only available at the time you purchase a vehicle. Choose from different plans and deductibles. Cancel anytime. | Read reviews |
![]() | 1.6
7 reviews
| Offers extended warranty coverage for a variety of vehicles, including exotic cars. Customizable plans with add-on options available. Price quotes only available from partnering dealerships. | Read reviews |
![]() | 1.5
19 reviews
| Wide range of plans for new and used cars, plus EVs. Exclusionary coverage available. Different deductible options, including a disappearing deductible. Towing and rental benefits. Only sold through dealerships. | Read reviews |
![]() | 1.5
128 reviews
| Offers extended warranties for cars, motorcycles, boats, snowmobiles and RVs. Terms and conditions vary by state. Doesn’t sell directly to consumers. Contact an authorized dealership for pricing. | Read reviews |
![]() | 1.5
View profile
| Three levels of extended auto warranty coverage. 30-day review period. All plans come with roadside and car rental assistance. Services can be performed by any licensed repair shop. DriveSmart pays the repair shop directly. | Read reviews |
1.5
134 reviews
| Offers auto warranty coverage. Highlights include interest-free payment plans, roadside assistance and guaranteed part replacement. Over 90% of claims paid in an average of three hours or less. | Read reviews | |
![]() | 1.4
View profile
| Offers extended auto warranties for new and used vehicles with multiple add-on plans. Also offers coverage for recreational and commercial vehicles. Only sells plans through select dealerships in 10 states. | Read reviews |
![]() | 1.4
368 reviews
| Accepts cars of any year or mileage. Select from 14 service contracts with a range of terms and protections. Gap and ancillary coverage also available. No waiting period. Available nationwide through certified AUL dealerships. | Read reviews |
![]() | 1.4
248 reviews
| Provides coverage for cars, motorcycles, powersport vehicles and RVs. Offerings include vehicle service contracts, warranties, asset protection, maintenance plans and theft deterrent products. | Read reviews |
![]() | 1.3
View profile
| Extended warranty company offering comprehensive plans for new, used and leased vehicles. Customers can also add on additional coverage for wear-and-tear parts. Only available for Stellantis family makes. | Read reviews |
![]() | 1.3
14 reviews
| Offers a disappearing deductible option. Service agreements for leased vehicles. Options for recreational and power sports vehicles and tire and wheel add-ons. Theft prevention device and geofencing. | Read reviews |
![]() | 1.3
371 reviews
| Exclusionary coverage on cars with up to 150,000 miles and stated component coverage up to 200,000 miles. All plans are transferable. No waiting period. Available nationwide through dealerships. | Read reviews |
![]() | 1.2
33 reviews
| Offers vehicle service contracts. Three plan options: drivetrain, intermediate and exclusionary. No deductible. Available nationwide. Total loss refund. Transferable to a new owner. Only available through partner institutions. | Read reviews |
![]() | 1.2
4,293 reviews
| Plans available for cars with up to 250,000 miles. Multiple plan options from different providers. Terms up to 10 years. Finance over six, 12, 18 or 24 months. Comes with a 30-day return policy. | Read reviews |
![]() | 1.1
16 reviews
| Transparent pricing. Monthly and annual plans available. Annual plans come with maintenance benefits. 24/7 roadside assistance included on all plans. Operates in every state. 30-day money-back guarantee. | Read reviews |
![]() | 1.1
51 reviews
| Extended auto warranty. Covers cost of breakdowns and repairs. Three plan and coverage tiers. Customizable coverage. Free quotes. $100 deductible. Plan pays the mechanic directly for covered repairs. Money-back guarantee. | Read reviews |
![]() | 1.0
1,737 reviews
| Offers three levels of protection. Covers vehicles up to 20 years old with up to 140,000 miles. Coverage is not available in Alabama, California, Florida, Missouri, Texas and Washington. | Read reviews |
![]() | 1.0
342 reviews
| Provides extended car warranties without long-term contracts. Customizable deductible options. No mileage limitations in most states. Customer service is available through phone, email and live chat. | Read reviews |
![]() | 1.0
109 reviews
| Partners with Nationwide to offer coverage for cars and RVs. Products and program options include gap, private label and theft protection. | Read reviews |
![]() | 1.0
69 reviews
| Provides powertrain and bumper-to-bumper limited warranties, tire and wheel protection, GAP coverage and more. New vehicles are automatically enrolled in the manufacturers' protection program. Additional coverages available. | Read reviews |
![]() | 1.0
68 reviews
| Offers four tiers of extended warranty coverage. Powertrain Plus is available for up to five years and 100,000 miles. Coverage begins 30 days or 1,000 miles after the purchase date. Available in more than 30 states. | Read reviews |
![]() | 1.0
59 reviews
| Serves dealerships and car-buying customers. Partners with more than 15,000 dealers across the country to offer vehicle service contracts. Contact a company representative or your dealership for more information. | Read reviews |
![]() | 1.0
46 reviews
| Offers three customizable warranty plans. Available in 50 states. Includes roadside assistance. Gap and ancillary coverage can be purchased separately. Claims can be submitted via app and are typically paid the same day. | Read reviews |
1.0
38 reviews
| Select from three tiers of coverage. Some vehicles qualify for up to 120,000 miles of additional protection. Coverage for rental car, fluids and towing included. More than 6,000 authorized service centers. | Read reviews | |
![]() | 1.0
30 reviews
| Offers home and auto protection plans, including coverage for commercial vehicles, in most states. Accepts most vehicles up to 20 model years and up to 500,000 miles. Features flexible payment plans and a 30-day refund period. | Read reviews |
![]() | 1.0
9 reviews
| $0 deductibles at preferred repair facilities. $200 deductibles at other shops. Roadside assistance for all plans. Cancel your plan at any time. Three levels of coverage available. | Read reviews |
![]() | 1.0
8 reviews
| Wide range of extended warranties for new and used vehicles. Customizable plans with optional coverages. Benefits include towing and rental reimbursement. Only sold through dealerships. Some coverage exceptions. | Read reviews |
![]() | 1.0
7 reviews
| Three levels of coverage. Add-on products available for complete protection. Sample contracts readily available. Roadside assistance with all plans. Prices start as low as $19 a month. | Read reviews |
![]() | 1.0
View profile
| Offers five vehicle protection plans with multiple deductible options available. Covers most vehicle repairs at any licensed repair facility. Provides roadside assistance and rental car and travel expense reimbursements. | Read reviews |
![]() | 1.0
View profile
| Sells auto warranties. Three warranty options to choose from. $100 deductible required for service. Free cancellation in 30 days. Plans start at $99 per month. 24/7 roadside assistance comes with all plans. | Read reviews |
![]() | 1.0
View profile
| Offers plans backed by Black Diamond Administrative Company. All plans include roadside assistance. Seven plans available for new and used vehicles. Accepts cars with up to 500,000 miles. | Read reviews |
![]() | 1.0
View profile
| Offers four warranty plans with contracts up to 96 months. Can only purchase through a dealership. $0 deductible on all covered services. 24/7 roadside assistance included in all warranty plans. | Read reviews |
![]() | 1.0
View profile
| Offers extended auto warranties. Works with licensed mechanics in the U.S. and Canada. Has plans for most cars up to 14 model-years old. 24-hour roadside assistance and trip interruption included. Must contact for a quote. | Read reviews |
![]() | 1.0
View profile
| Offers vehicle, debt and ancillary protection programs. Five customizable auto protection plans available. Waives GAP amounts up to $50,000. Fully transferable coverage. Money-back guarantee within 60 days of purchase. | Read reviews |
![]() | 1.0
View profile
| Extended warranty company offering plans for vehicles, boats, RVs and ATVs. Plans range from $700-$5,000 per year depending on make, model and other factors. Deductible options range from $0-$1,000. No waiting periods for plans. | Read reviews |
![]() | No reviews | Partners with United Car Care, Matrix Warranty Solutions, Royal Administration Service, DOWC and National Warranty Administration to offer coverage nationwide. Provides a "best price guarantee” and a money-back guarantee. | |
![]() | No reviews | Offers basic, enhanced, exclusionary and stated coverage maintenance plans. New customers are entitled to a full refund within the first 30 days. | |
![]() | No reviews | Select from 12-month, 12,000-mile, or 24-month, 24,000-mile terms. Requires at least 10% of the total cost to initiate a payment plan. Includes roadside assistance and rental coverage for covered claims. Cancel anytime. | |
![]() | No reviews | Specializes in providing credit union members warranty products, including vehicle service agreements and mechanical breakdown insurance. Features include emergency roadside assistance and rental coverage. | |
![]() | No reviews | Select from warranty options with custom coverage, no network limits and no limits on repairs and roadside assistance. Provides free rapid-response quotes to estimate pricing. Available nationwide. | |
![]() | No reviews | Offers several plans for powertrain and exclusionary coverage. Plans include roadside assistance, rental reimbursement and maintenance benefits. No rate increase after filing a claim. Down payment required. | |
![]() | No reviews | Offers six coverage plans, including three extended auto warranties with optional add-ons and $0 deductibles. Claims are handled by in-house representatives. Only sells through dealerships. | |
![]() | No reviews | Vehicle service contracts for a wide range of vehicles, including luxury cars and EVs. High mileage limits for older cars. Exclusionary coverage available. Plans include towing and rental assistance. Only sold through dealerships. | |
![]() | No reviews | Offers exclusionary, comprehensive, enhanced powertrain and powertrain protection. Choose your own ASE-certified repair shop. Includes towing and roadside assistance. $100 deductible for covered claims. No-fee payment plans. | |
![]() | No reviews | Extended auto warranty provider. Three available plans. Range of coverage options with each plan. Only available through dealerships. Partners with over 5,000 dealers to offer warranties nationwide. Can use any repair shop. | |
![]() | 1.2
1,226 reviews
| Direct provider of three tiers of coverage. Offers 0% interest payment programs and a 30-day refund policy. Available in all 50 states. | Read reviews |
![]() | 1.0
4,133 reviews
| Offers plans for newer and older vehicles up to 20 years old and with up to 299,999 miles. All services provided in-house by Protect My Car employees. Special offers for military personnel. Not available in California. | Read reviews |
![]() | 1.0
132 reviews
| Offers three coverage plans with customization options. Covers parts, services and roadside assistance. 14+ years of experience. Available across the U.S. 30-day money-back guarantee. | Read reviews |


